Al Wathba National Insurance Company
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- Volume
- 100.00x 30-day average
- Avg volume (30D)
- 561.4K
About the company
Al Wathba National Insurance Company PJSC (AWNIC) is an Abu Dhabi general insurer founded in 1996 and listed on the Abu Dhabi Securities Exchange since 2000. It writes general insurance of all classes through its head office in Abu Dhabi and branches in Dubai, Al Ain and Sharjah, and holds a large portfolio of listed shares, investment properties and associates. In 2025 it placed funds at Lloyd’s for its own Lloyd’s cell. Its 207 million shares have a nominal value of AED 1 each.
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Year-end price history
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Shariah screening
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Dividend calculator
Before a dividend is announced, choose an estimate. Once DFM publishes it, the announced amount is used automatically. Gross amount before any bank charges. Estimates only, not investment advice.
Dividend history
No DFM dividend records for this company since 2025.
Source: DFM dividend distribution records (2025 onwards). Yield uses the close before the ex-date.
Announcements
No announcements yet.
Source: DFM disclosures. Times are Dubai time.
Income Statement
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Insurance & Takaful Revenue | 75.2M | 75.3M | 71.0M | 63.2M | 75.0M | 83.4M | 98.2M | 119.7M | 164.5M | 184.2M | 206.4M | 226.1M | 244.5M | 273.2M |
| Insurance Service Expenses | -70.2M | -63.3M | -69.8M | -55.2M | -116.3M | -155.1M | -106.0M | -138.0M | -123.5M | -154.2M | -160.9M | -195.5M | -175.1M | -261.1M |
| Net Reinsurance Result | -5.8M | -18.2M | -5.3M | -30.1M | 33.1M | 72.8M | 8.0M | 971,000.00 | -33.6M | -24.8M | -40.5M | -24.0M | -60.6M | -15.7M |
| Insurance Service Result | -807,000.00 | -6.2M | -4.1M | -22.1M | -8.2M | 1.1M | 205,000.00 | -17.2M | 7.3M | 5.2M | 4.9M | 6.6M | 8.9M | -3.7M |
| Net Investment Income | 44.5M | -13.3M | 164.2M | 31.6M | -21.0M | -20.8M | 20.2M | 119.5M | -19.4M | 43.4M | 54.6M | 59.7M | -20.1M | 90.2M |
| Net Insurance Finance Result | 221,000.00 | -823,000.00 | 1.9M | -490,000.00 | -2.2M | -672,000.00 | -1.1M | -25,000.00 | -2.0M | -1.3M | -945,000.00 | -892,000.00 | -1.1M | -821,000.00 |
| Net Insurance & Investment Result | 43.9M | -20.3M | 162.1M | 9.1M | -31.3M | -20.4M | 19.3M | 102.2M | -14.1M | 47.2M | 58.5M | 65.4M | -12.3M | 85.7M |
| Other Operating Income | 1.6M | -983,000.00 | 0.00 | -417,000.00 | 297,000.00 | -117,000.00 | 952,000.00 | -139,000.00 | 13,000.00 | 1,000.00 | 127,000.00 | -9,000.00 | 0.00 | 8,000.00 |
| Other Operating Expenses | -1.1M | -1.3M | -13.1M | 5.3M | -1.4M | -8.0M | -2.8M | -9.5M | -5.0M | -5.2M | -8.1M | -20.1M | -8.2M | -11.2M |
| Finance Costs | -3.4M | -2.7M | -2.0M | -1.6M | -1.6M | -2.0M | -2.6M | -1.9M | -1.5M | -1.7M | -1.8M | -1.7M | -1.3M | -1.3M |
| Share of Associates & JVs | 3.6M | -1.3M | -808,000.00 | 521,000.00 | 5.0M | -34.9M | 405,000.00 | 27.6M | 2.1M | 4.3M | 37,000.00 | -17.7M | 1.0M | -715,000.00 |
| Pre-Tax Income | 44.6M | -26.6M | 146.2M | 12.9M | -29.0M | -65.4M | 15.3M | 118.3M | -18.4M | 44.6M | 48.8M | 25.8M | -20.8M | 72.5M |
| Income Tax Expense | 0.00 | 0.00 | 0.00 | 0.00 | 818,000.00 | 475,000.00 | 487,000.00 | -4.2M | 2.3M | -3.5M | -1.6M | -3.9M | 4.9M | -5.9M |
| Net Income | 44.6M | -26.6M | 146.2M | 12.9M | -28.2M | -64.9M | 15.7M | 114.1M | -16.1M | 41.2M | 47.2M | 21.9M | -15.9M | 66.6M |
| Net Income (Owners of Parent) | 44.6M | -26.6M | 146.2M | 12.9M | -28.2M | -64.9M | 15.7M | 114.1M | -16.1M | 41.2M | 47.2M | 21.9M | -15.9M | 66.6M |
| EPS (AED) | 0.22 | -0.13 | 0.71 | 0.06 | -0.14 | -0.31 | 0.08 | 0.55 | -0.08 | 0.20 | 0.23 | 0.11 | -0.08 | 0.32 |
| Shares Outstanding | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M |
Balance Sheet
Values in AED · click any row to chart the metric, click again to collapse
| Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 58.2M | 52.1M | 58.0M | 43.0M | 78.2M | 88.9M | 84.5M | 106.0M | 74.4M | 17.9M | 39.2M |
| Investment Securities | 925.2M | 876.1M | 793.8M | 824.0M | 832.7M | 771.8M | 784.3M | 814.0M | 822.6M | 774.6M | 823.9M |
| Insurance Contract Assets | – | – | 37,000.00 | – | – | – | – | – | – | 1.0M | 1.8M |
| Reinsurance Contract Assets | 135.9M | 187.5M | 266.8M | 279.7M | 247.5M | 228.6M | 240.0M | 209.7M | 238.2M | 218.2M | 232.2M |
| Trade & Other Receivables | 5.7M | 8.3M | 8.5M | 7.4M | 7.6M | 35.6M | 8.6M | 9.8M | 10.4M | 44.6M | 11.2M |
| Other Assets & Prepayments | – | 891,000.00 | 1.4M | 1.4M | – | 64,000.00 | – | – | – | – | – |
| Other Financial Assets | 65.3M | 44.5M | 40.8M | 42.9M | 9.9M | 9.9M | 9.9M | 10.1M | 84.0M | 84.2M | 90.5M |
| Investments in Associates & JVs | 145.0M | 149.3M | 113.7M | 113.6M | 142.6M | 148.1M | 150.4M | 149.9M | 135.3M | 134.4M | 134.3M |
| Property, Plant & Equipment | 3.4M | 3.1M | 2.9M | 2.8M | 2.5M | 2.3M | 2.6M | 2.2M | 2.3M | 2.1M | 2.4M |
| Investment Properties | 421.2M | 439.2M | 461.2M | 483.8M | 583.2M | 594.9M | 632.4M | 655.2M | 679.2M | 684.3M | 723.4M |
| Total Assets | 1.8B | 1.8B | 1.7B | 1.8B | 1.9B | 1.9B | 1.9B | 2.0B | 2.0B | 2.0B | 2.1B |
| Insurance Contract Liabilities | 320.6M | 376.1M | 464.4M | 495.7M | 540.4M | 544.9M | 590.6M | 595.1M | 629.6M | 639.9M | 666.2M |
| Reinsurance Contract Liabilities | 35.4M | 42.0M | 36.6M | 31.6M | 1.3M | 1.3M | 1.1M | – | – | – | 4.9M |
| Trade & Other Payables | 39.5M | 27.6M | 20.4M | 21.3M | 50.5M | 28.3M | 23.5M | 22.7M | 36.8M | 33.7M | 21.4M |
| Income Tax Payable | – | – | – | – | – | – | – | – | – | 27,000.00 | – |
| Deferred Tax Liabilities | – | 73,000.00 | 133,000.00 | – | 2.7M | – | 3.8M | 3.1M | 7.5M | 3.5M | 9.4M |
| Loans & Borrowings | 88.5M | 104.1M | 155.0M | 150.6M | 105.7M | 131.3M | 127.1M | 122.7M | 128.0M | 48.5M | 104.8M |
| End-of-Service Benefits | 5.5M | 5.6M | 5.9M | 6.0M | 6.1M | 6.4M | 7.6M | 7.6M | 8.1M | 8.3M | 9.0M |
| Total Debt | 88.5M | 104.1M | 155.0M | 150.6M | 105.7M | 131.3M | 127.1M | 122.7M | 128.0M | 48.5M | 104.8M |
| Total Liabilities | 489.6M | 555.4M | 682.4M | 705.3M | 706.7M | 712.1M | 753.7M | 751.1M | 809.9M | 733.9M | 815.7M |
| Share Capital | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M | 207.0M |
| Reserves | 357.4M | 321.1M | 296.8M | 307.6M | 271.2M | 258.2M | 250.1M | 250.3M | 260.3M | 268.0M | 270.4M |
| Retained Earnings | 706.0M | 677.4M | 560.9M | 578.7M | 719.3M | 702.9M | 701.9M | 748.6M | 769.2M | 752.5M | 765.8M |
| Equity (Owners of Parent) | 1.3B | 1.2B | 1.1B | 1.1B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B |
| Total Equity | 1.3B | 1.2B | 1.1B | 1.1B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B |
Cash Flow
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -2.6M | -14.6M | 10.2M | -32.4M | -12.2M | -10.6M | 13.4M | 47.2M | 31,000.00 | 30.1M | 28.7M | 6.8M | 26.3M | -8.4M |
| Investing Cash Flow | 63.9M | 45.0M | 121.5M | -7.6M | -28.7M | 14.5M | -21.4M | 34.9M | -13.3M | 12.8M | -918,000.00 | -42.0M | -2.0M | 26.4M |
| Capital Expenditure | -223,000.00 | -93,000.00 | -301,000.00 | -983,000.00 | -188,000.00 | -153,000.00 | -324,000.00 | -100,000.00 | -126,000.00 | -615,000.00 | 0.00 | -384,000.00 | -66,000.00 | -596,000.00 |
| Financing Cash Flow | -19.7M | -105.8M | -39.7M | -6.0M | 13.9M | -2.9M | -7.0M | -46.8M | 24.1M | -47.3M | -6.2M | 3.6M | -80.8M | 3.3M |
| Dividends Paid | 0.00 | -41.4M | -6.2M | 0.00 | 0.00 | -51.8M | 0.00 | 0.00 | 0.00 | -41.4M | 0.00 | 0.00 | 0.00 | -51.8M |
| Free Cash Flow | -2.8M | -14.7M | 9.9M | -33.4M | -12.4M | -10.7M | 13.1M | 47.1M | -95,000.00 | 29.5M | 28.7M | 6.4M | 26.3M | -9.0M |
Insurance & Takaful Revenue
Insurance Service Result
Net Investment Income
Net Insurance & Investment Result
Net Income
EPS (AED)
Shares Outstanding
Total Assets
Investment Securities
Cash & Equivalents
Insurance Contract Liabilities
Reinsurance Contract Assets
Total Liabilities
Total Equity
Combined Ratio
Insurance Service Margin
Reinsurance Cost / Revenue
Investment Yield
Net Margin
P/E
P/B
P/S Ratio
Price / FCF
Net Worth (Market Cap)
ROE
ROA
Return on Tangible Equity
Equity / Assets
Dividend Yield
Employee Count
Market Information
- 2026-08-12 Q2 2026 Financial Results PDF ↓
- 2026-05-15 Q1 2026 Financial Results PDF ↓
- 2026-03-19 FY 2025 Financial Results PDF ↓
- 2025-11-13 Q3 2025 Financial Results PDF ↓
- 2025-08-14 Q2 2025 Financial Results PDF ↓
- 2025-05-15 Q1 2025 Financial Results PDF ↓
- 2025-03-27 FY 2024 Financial Results PDF ↓
- 2024-11-14 Q3 2024 Financial Results PDF ↓
- 2024-08-13 Q2 2024 Financial Results PDF ↓
- 2024-05-14 Q1 2024 Financial Results PDF ↓
- 2024-03-29 FY 2023 Financial Results PDF ↓